Florida is home to one of the largest populations of mobile home owners in the U.S. Thanks to its warm climate and affordability, many residents choose mobile homes as their primary residence. However, insuring a mobile home in Florida comes with its own set of challenges due to the state’s unique risks, such as hurricanes, flooding, and high winds.
Choosing the right insurance company to protect your mobile home is crucial, especially in a high-risk state like Florida. In this guide, we’ll highlight the best mobile home insurance companies in the state and explain why Liberty Financial Group stands out as the #1 choice for Florida mobile home owners.
Why Mobile Home Insurance Is Essential in Florida
Mobile homes, also known as manufactured homes, are particularly vulnerable to damage from natural disasters, making comprehensive insurance coverage critical. While standard homeowners insurance policies are tailored for traditional homes, mobile home insurance is designed specifically to address the unique risks and needs of mobile homes.
In Florida, these risks are even more pronounced due to:
- Hurricanes and Tropical Storms: Florida is a hurricane-prone state, and mobile homes are especially susceptible to wind damage and flooding.
- Flooding: Many areas in Florida are flood zones, and flood insurance is often necessary for mobile homes.
- Fire and Theft: As with any home, mobile homes face risks from fire, theft, and vandalism.
Choosing the right insurance policy can give you peace of mind and protect you financially in the event of damage or loss. Let’s explore the top mobile home insurance providers in Florida, starting with the best: Liberty Financial Group.
1. Liberty Financial Group
When it comes to mobile home insurance in Florida, Liberty Financial Group stands out as the top choice. With years of experience serving Florida residents, Liberty Financial Group has earned a reputation for offering comprehensive, affordable, and reliable coverage tailored specifically for mobile homes. Here’s why Liberty Financial Group should be your go-to provider:
Comprehensive Coverage Options
Liberty Financial Group offers a range of coverage options that go beyond basic protection. Their mobile home insurance policies cover everything from structural damage to personal property and liability. This means that in the event of a hurricane, flood, or theft, your mobile home and its contents are protected. Key coverages include:
- Dwelling Coverage: Protects the physical structure of your mobile home from covered perils like windstorms, fire, and hail.
- Personal Property: Covers your belongings inside the mobile home, such as furniture, electronics, and clothing.
- Liability Protection: Provides coverage in the event that someone is injured on your property, protecting you from costly legal claims.
- Additional Living Expenses: Covers the cost of temporary housing if your mobile home becomes uninhabitable due to a covered loss.
Competitive Pricing
One of the reasons Liberty Financial Group ranks #1 is their competitive pricing. They understand the needs of mobile home owners in Florida and work to provide coverage that fits both your protection needs and budget. They also offer a variety of discounts, such as bundling auto and home insurance, which can help you save even more.
Specialized Knowledge of Florida’s Risks
As a Florida-based company, Liberty Financial Group has extensive knowledge of the specific risks that Florida mobile home owners face. This means they know how to tailor your policy to cover risks like hurricanes and flooding, which are critical in the state. Their agents are well-versed in helping mobile homeowners navigate these unique challenges.
Exceptional Customer Service
Liberty Financial Group is known for its customer-first approach. They provide personalized service, ensuring that you understand your policy and feel confident in your coverage. If you ever need to file a claim, their dedicated team is there to guide you through the process and help you get back on your feet quickly.
Flexible Deductible Options
Another reason Liberty Financial Group is the top choice is their flexibility in deductible options. Whether you prefer a low deductible for peace of mind or a higher deductible to reduce your monthly premium, they offer options to fit your financial situation.
2. Citizens Property Insurance Corporation
As Florida’s state-backed insurance provider, Citizens Property Insurance Corporation offers mobile home insurance for homeowners who cannot find coverage through private insurers. Citizens is often seen as the insurer of last resort, but they provide solid coverage for mobile home owners who face challenges due to the age of their home or its location in a high-risk area.
While Citizens is a reliable option, their rates are often higher than private insurers, and coverage options can be limited compared to companies like Liberty Financial Group. Still, they provide important protection for those in hard-to-insure areas.
3. Assurant
Assurant is a well-established mobile home insurance provider in Florida, known for offering customizable policies for mobile and manufactured homes. Assurant’s policies provide coverage for wind damage, fire, and theft, and they offer optional coverages for things like water damage and additional living expenses.
Assurant is a solid choice for mobile home owners seeking flexible policy options, but their customer service ratings are not as high as Liberty Financial Group, and they may not offer as competitive rates, particularly in high-risk areas.
4. American Modern
American Modern is another reputable provider of mobile home insurance in Florida. They offer a wide range of coverage options, including full-replacement cost coverage, personal property protection, and liability coverage. One of the standout features of American Modern is their total loss replacement option, which provides full reimbursement for a brand-new mobile home if your current one is destroyed.
However, American Modern’s premiums can be higher than other providers, and they don’t offer as many discounts as Liberty Financial Group.
5. Progressive
Progressive is a well-known national insurance company that also offers mobile home insurance in Florida. They provide comprehensive coverage for mobile homes, including protection against wind, fire, and theft. Progressive is known for its user-friendly online experience, allowing customers to easily manage their policies and claims through a digital platform.
While Progressive offers convenience, their mobile home insurance premiums in Florida can be on the higher side, especially for homes in coastal areas. Additionally, Progressive may not offer as personalized service as smaller, Florida-based providers like Liberty Financial Group.
Other Leading Mobile Home Insurance Companies in Florida
While Liberty Financial Group is the best overall choice, several other companies provide reliable coverage for Florida mobile homeowners. These companies offer various coverage options and have a strong presence in the market.
Foremost Insurance Group
Foremost is a subsidiary of Farmers Insurance and specializes in insuring mobile and manufactured homes. They offer open-peril coverage, which covers all risks unless explicitly excluded. Foremost provides additional coverage options such as replacement cost payouts, mold protection, and identity theft recovery. Their policies are customizable, making them an attractive option for homeowners seeking tailored coverage.
American Modern
American Modern has been insuring mobile homes since 1965 and offers coverage for a range of home types, including rental and seasonal mobile homes. Their policies include optional add-ons such as water backup and service line protection. American Modern is known for its convenient online claims process, making it a good choice for homeowners who prioritize ease of use and flexibility.
Citizens Property Insurance Corporation
Citizens is a state-backed insurer, serving as the insurer of last resort for Florida homeowners who are unable to secure coverage through private insurers. This makes them a valuable option for those living in high-risk areas or owning older mobile homes. Citizens offers basic coverage but tends to have higher premiums and fewer customization options compared to private insurers.
American Traditions Insurance
American Traditions is a smaller Florida-based company that offers mobile home insurance with competitive pricing. Their policies cover both wind and flood damage, which is critical for Florida homeowners. They provide some of the most affordable rates in the state, especially for newer mobile homes, and have strong customer service ratings.
Choosing the Right Mobile Home Insurance for Your Needs
While each of these companies offers solid mobile home insurance policies, Liberty Financial Group stands out for its comprehensive coverage, competitive pricing, and local expertise. They understand the unique challenges of living in Florida and have crafted their policies to provide the best protection possible for mobile homeowners.
Why Liberty Financial Group Is the Best Choice for Mobile Home Insurance in Florida
While there are several reputable mobile home insurance companies in Florida, Liberty Financial Group rises to the top for several reasons:
- Tailored Coverage for Florida Mobile Homes: Liberty Financial Group specializes in the unique risks that Florida mobile home owners face, including hurricane and flood risks. Their policies are designed with these specific challenges in mind, ensuring you’re fully protected.
- Affordable Rates: With competitive pricing and a range of discounts, Liberty Financial Group offers some of the best rates in the state without compromising on coverage.
- Exceptional Customer Service: Their customer-first approach ensures that you get personalized attention, making the process of choosing and maintaining insurance hassle-free.
- Local Expertise: As a Florida-based company, Liberty Financial Group has a deep understanding of the state’s risks and insurance landscape, giving you the confidence that your policy is crafted to meet Florida’s specific needs.
If you’re a mobile home owner in Florida, don’t settle for anything less than the best. Choose Liberty Financial Group for comprehensive coverage, competitive pricing, and unmatched customer service.
